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What does the term “available funds from deposit” means, does that mean the check has been verified and the money is completely in my account, if not how long it takes to deposit the money in my account?

Kareman, New York
February 9, 2018 07:11:39 AM

1 Response

In reply to Kareman, New York

We understand your confusion, Kareman, and we're always happy to help clarify.
Based on your description, it sounds as though only a portion of your recent deposit was made available.
When making check deposits with a Teller, the first $100 is usually made available immediately. If you are a new account holder and your account has not been open for 30 consecutive days, check deposits can be held for 7-10 business days for verification purposes. After your account has been opened for 30 days, not only will the first $100 be made available at the time of deposit but the rest of the funds will credit to your account the following business day.
Deposits made at a TD Bank ATM before 8:00 PM on a business day are considered deposits made on that same business day. A business day is every day except Saturdays, Sundays, and Federal Holidays. If you make a deposit at an ATM before 8:00 PM on a business day that we are open, we will consider that to be the day of your deposit. However, if you make a deposit at an ATM after 8:00 PM, or on a day we are not open, we will consider that the deposit was made on the next business day. Accounts that are 90 days old will have the initial $100 made available and generally see availability of funds the next business day.
Deposits made with TD Mobile Deposit act the same way as a deposit made with a TD ATM; however, the first $100 of your check will not be available at the time of deposit.
You may also take a look at our Personal Deposit Account Agreement here: http://go.td.com/1kb17UQ. On pages 40-44, you can find our Funds Availability Policy along with information about when you'll have access to deposits.
Please know that we would like to review your deposit specifically however TD Helps is considered an unsecured forum. Because of this, we do not have access to account records in order to review your account with you.
If you'd like to discuss your deposit in greater detail, feel free to reach us 24/7 at 888-751-9000, by visiting any TD Store during lobby hours or by sending a secure message online.
You can check out TD Stores near you here: http://go.td.com/1f9DSJR.
To send a secure message using Online Banking, please sign in here: http://go.td.com/1eaISlq and select 'Send a secure message' located in the 'Message Center' on the left hand side of the page. For Mobile Banking, select the option to 'Contact Us' followed by 'Send a secure message' after signing in. Be sure to include the date and amount of the deposit you're referring to.
We hope this helps clear things up, Kareman. Take care.

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